IRCTC SBI Card (RuPay)
Tailored for regular rail travelers across India, this card provides up to 10% value back on AC train ticket bookings made through the official IRCTC portal. Backed by RuPay, it doubles as an everyday UPI payment instrument with access to executive railway station lounges.
Why We Recommend The IRCTC SBI Card (RuPay)
An essential, low-cost travel card delivering unmatched returns on Indian Railways bookings.
Frequent railway passengers, daily commuters, and government personnel using IRCTC for travel.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the IRCTC SBI Card (RuPay)?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹1.00 (when redeemed for train tickets on IRCTC) on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for IRCTC SBI Card (RuPay)
Zero hidden costs. Complete fee schedule verified with SBI Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the IRCTC SBI Card (RuPay)
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
4 complimentary railway lounge visits per year (max 1 per quarter at select stations)
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes IRCTC SBI Card (RuPay) Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
10% value back on AC train travel booked through official IRCTC channels.
1% transaction charge waiver on IRCTC railway ticketing.
RuPay enabled for day-to-day merchant UPI payments.
Pros & Cons of the IRCTC SBI Card (RuPay)
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Substantial return rate for frequent long-distance rail passengers.
- Very low annual maintenance fee of ₹300.
- Complimentary access to executive railway lounges across major rail hubs.
Things to Consider (Cons)
- Points can only be redeemed for railway tickets via IRCTC.
- Does not offer airport lounge privileges.
- 10% accelerated tier applies only to AC train fares, excluding sleeper class.
Who Can Apply for the IRCTC SBI Card (RuPay)?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
700+ Score Recommended
Applicants with a credit score of 700 or higher enjoy fast-tracked approval and preferential credit limits from SBI Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About IRCTC SBI Card (RuPay)
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the IRCTC SBI Card (RuPay)?
Check your pre-approved credit limit and instant approval eligibility across SBI Bank with 100% paperless verification and zero score impact.